If you have bad credit, don't make a habit of it.
I have seen bad credit ruin peoples lives. My mom's neighbors have seriously declared bankruptcy twice and now they just moved out of their house ... it was foreclosed on. They owed more on the house than it was worth. They have lived there over 20 years. To improve your credit, it's helpful to look into bad credit loans. Get a loan, be responsible about it, and make your payments on time. But don't be stupid about it. Don't let the loan build and build until you can't afford to pay it. The more you put on the credit card, the more you have to pay per month. Make sure you can afford your monthly payment and then some.
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This is a sponsored post.